As the gun debate heats up, one idea seems particularly suited for Connecticut to consider: liability insurance for gun owners.
This is the kind of mandatory insurance you have to get to drive a car — and the kind of protection that costs more if you want to take what the industry knows is a calculated risk. Letting your teenager get behind the wheel is a good example.
When I wanted my son to drive the family cars, my insurance agent offered a market-based solution: pay for the risk and he could drive. Nobody said my son couldn’t drive — but I had to acknowledge the extreme danger that comes with a teenage boy in the driver’s seat. We know this because of extensive research on teenagers and driving by the insurance industry.